Minimum Requirements

The introductory APR applies to purchases and balance transfers and the rates are valid for six billing cycles. Balance transfer fees will apply. The introductory rate does not apply to cash advances. We apply your minimum payment to balances with lower APRs first. Amounts paid over the minimum payment will be applied in the order of highest to lowest APR balances.

As stated in the Cardmember Agreement, and as applicable by law, we may change APRs, fees and other Account terms in the future.